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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 2.49
FBIZ's Cash to Debt is ranked higher than
53% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. FBIZ: 2.49 )
Ranked among companies with meaningful Cash to Debt only.
FBIZ' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.33 Max: N/A
Current: 2.49
Equity to Asset 0.09
FBIZ's Equity to Asset is ranked lower than
59% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBIZ: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FBIZ' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.06 Max: 0.09
Current: 0.09
0.05
0.09
Interest Coverage 1.80
FBIZ's Interest Coverage is ranked higher than
50% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. FBIZ: 1.80 )
Ranked among companies with meaningful Interest Coverage only.
FBIZ' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.29 Max: 1.83
Current: 1.8
0.06
1.83
F-Score: 4
WACC vs ROIC
9.57%
21.12%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 32.90
FBIZ's Operating margin (%) is ranked higher than
55% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. FBIZ: 32.90 )
Ranked among companies with meaningful Operating margin (%) only.
FBIZ' s Operating margin (%) Range Over the Past 10 Years
Min: 5.1  Med: 25.95 Max: 41.81
Current: 32.9
5.1
41.81
Net-margin (%) 21.83
FBIZ's Net-margin (%) is ranked lower than
52% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. FBIZ: 21.83 )
Ranked among companies with meaningful Net-margin (%) only.
FBIZ' s Net-margin (%) Range Over the Past 10 Years
Min: 2.43  Med: 17.86 Max: 27.19
Current: 21.83
2.43
27.19
ROE (%) 11.29
FBIZ's ROE (%) is ranked higher than
72% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. FBIZ: 11.29 )
Ranked among companies with meaningful ROE (%) only.
FBIZ' s ROE (%) Range Over the Past 10 Years
Min: 1.72  Med: 9.73 Max: 14.09
Current: 11.29
1.72
14.09
ROA (%) 0.97
FBIZ's ROA (%) is ranked higher than
60% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. FBIZ: 0.97 )
Ranked among companies with meaningful ROA (%) only.
FBIZ' s ROA (%) Range Over the Past 10 Years
Min: 0.08  Med: 0.63 Max: 1.1
Current: 0.97
0.08
1.1
Revenue Growth (3Y)(%) -5.70
FBIZ's Revenue Growth (3Y)(%) is ranked lower than
76% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. FBIZ: -5.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBIZ' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.7  Med: 11.60 Max: 119.2
Current: -5.7
-5.7
119.2
EBITDA Growth (3Y)(%) 0.80
FBIZ's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FBIZ: 0.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBIZ' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.40 Max: 82.1
Current: 0.8
0
82.1
EPS Growth (3Y)(%) 1.40
FBIZ's EPS Growth (3Y)(%) is ranked lower than
63% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FBIZ: 1.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBIZ' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.4  Med: -4.00 Max: 109.7
Current: 1.4
-34.4
109.7
» FBIZ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

FBIZ Guru Trades in Q1 2015

Jim Simons 53,100 sh (-0.93%)
» More
Q2 2015

FBIZ Guru Trades in Q2 2015

Scott Black 5,588 sh (New)
Jim Simons 67,374 sh (+26.88%)
» More
Q3 2015

FBIZ Guru Trades in Q3 2015

Scott Black 27,436 sh (+390.98%)
Jim Simons 148,984 sh (+121.13%)
» More
Q4 2015

FBIZ Guru Trades in Q4 2015

Jim Simons 149,800 sh (+0.55%)
» More
» Details

Insider Trades

Latest Guru Trades with FBIZ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 11.28
FBIZ's P/E(ttm) is ranked higher than
53% of the 2227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.73 vs. FBIZ: 11.28 )
Ranked among companies with meaningful P/E(ttm) only.
FBIZ' s P/E(ttm) Range Over the Past 10 Years
Min: 4.92  Med: 12.72 Max: 77.69
Current: 11.28
4.92
77.69
Forward P/E 9.12
FBIZ's Forward P/E is ranked higher than
50% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.05 vs. FBIZ: 9.12 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.38
FBIZ's PE(NRI) is ranked higher than
57% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. FBIZ: 11.38 )
Ranked among companies with meaningful PE(NRI) only.
FBIZ' s PE(NRI) Range Over the Past 10 Years
Min: 4.75  Med: 12.58 Max: 84.17
Current: 11.38
4.75
84.17
P/B 1.21
FBIZ's P/B is ranked lower than
66% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. FBIZ: 1.21 )
Ranked among companies with meaningful P/B only.
FBIZ' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 0.94 Max: 1.7
Current: 1.21
0.4
1.7
P/S 2.48
FBIZ's P/S is ranked higher than
53% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. FBIZ: 2.48 )
Ranked among companies with meaningful P/S only.
FBIZ' s P/S Range Over the Past 10 Years
Min: 0.59  Med: 1.53 Max: 3.68
Current: 2.48
0.59
3.68
PFCF 19.84
FBIZ's PFCF is ranked lower than
84% of the 1363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. FBIZ: 19.84 )
Ranked among companies with meaningful PFCF only.
FBIZ' s PFCF Range Over the Past 10 Years
Min: 2.32  Med: 6.64 Max: 290.75
Current: 19.84
2.32
290.75
POCF 14.26
FBIZ's POCF is ranked lower than
80% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.06 vs. FBIZ: 14.26 )
Ranked among companies with meaningful POCF only.
FBIZ' s POCF Range Over the Past 10 Years
Min: 2.26  Med: 6.38 Max: 96.92
Current: 14.26
2.26
96.92
EV-to-EBIT 5.13
FBIZ's EV-to-EBIT is ranked higher than
90% of the 2177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. FBIZ: 5.13 )
Ranked among companies with meaningful EV-to-EBIT only.
FBIZ' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.3  Med: 5.90 Max: 24.1
Current: 5.13
-12.3
24.1
EV-to-EBITDA 4.92
FBIZ's EV-to-EBITDA is ranked higher than
89% of the 2182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.15 vs. FBIZ: 4.92 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBIZ' s EV-to-EBITDA Range Over the Past 10 Years
Min: -8.3  Med: 5.10 Max: 21.7
Current: 4.92
-8.3
21.7
PEG 0.27
FBIZ's PEG is ranked higher than
89% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBIZ: 0.27 )
Ranked among companies with meaningful PEG only.
FBIZ' s PEG Range Over the Past 10 Years
Min: 0.22  Med: 0.30 Max: 1.05
Current: 0.27
0.22
1.05
Shiller P/E 18.17
FBIZ's Shiller P/E is ranked lower than
64% of the 675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.91 vs. FBIZ: 18.17 )
Ranked among companies with meaningful Shiller P/E only.
FBIZ' s Shiller P/E Range Over the Past 10 Years
Min: 16.88  Med: 20.88 Max: 23.89
Current: 18.17
16.88
23.89

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
FBIZ's Dividend Yield is ranked lower than
69% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FBIZ: 2.10 )
Ranked among companies with meaningful Dividend Yield only.
FBIZ' s Dividend Yield Range Over the Past 10 Years
Min: 0.25  Med: 1.60 Max: 3.29
Current: 2.1
0.25
3.29
Dividend Payout 0.23
FBIZ's Dividend Payout is ranked higher than
70% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FBIZ: 0.23 )
Ranked among companies with meaningful Dividend Payout only.
FBIZ' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.17 Max: 0.7
Current: 0.23
0.07
0.7
Dividend Growth (3y) 44.20
FBIZ's Dividend Growth (3y) is ranked higher than
92% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. FBIZ: 44.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FBIZ' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 67.1
Current: 44.2
0
67.1
Forward Dividend Yield 2.34
FBIZ's Forward Dividend Yield is ranked lower than
71% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. FBIZ: 2.34 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 6.21
FBIZ's Yield on cost (5-Year) is ranked higher than
74% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. FBIZ: 6.21 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBIZ' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.74  Med: 4.73 Max: 9.72
Current: 6.21
0.74
9.72
3-Year Average Share Buyback Ratio -16.30
FBIZ's 3-Year Average Share Buyback Ratio is ranked lower than
85% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. FBIZ: -16.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBIZ' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -16.3  Med: -2.00 Max: 3.7
Current: -16.3
-16.3
3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
FBIZ's Price/Tangible Book is ranked lower than
63% of the 2171 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 38.57 vs. FBIZ: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
FBIZ' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.42  Med: 0.94 Max: 1.66
Current: 1.31
0.42
1.66
Price/Projected FCF 0.77
FBIZ's Price/Projected FCF is ranked lower than
63% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FBIZ: 0.77 )
Ranked among companies with meaningful Price/Projected FCF only.
FBIZ' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.35 Max: 0.93
Current: 0.77
0.19
0.93
Price/Median PS Value 1.61
FBIZ's Price/Median PS Value is ranked lower than
91% of the 2067 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FBIZ: 1.61 )
Ranked among companies with meaningful Price/Median PS Value only.
FBIZ' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.39  Med: 0.99 Max: 2.35
Current: 1.61
0.39
2.35
Price/Peter Lynch Fair Value 0.50
FBIZ's Price/Peter Lynch Fair Value is ranked higher than
74% of the 603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FBIZ: 0.50 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FBIZ' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.24  Med: 0.43 Max: 3.42
Current: 0.5
0.24
3.42
Price/Graham Number 0.81
FBIZ's Price/Graham Number is ranked higher than
50% of the 2007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. FBIZ: 0.81 )
Ranked among companies with meaningful Price/Graham Number only.
FBIZ' s Price/Graham Number Range Over the Past 10 Years
Min: 0.38  Med: 0.73 Max: 1.28
Current: 0.81
0.38
1.28
Earnings Yield (Greenblatt) (%) 19.41
FBIZ's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. FBIZ: 19.41 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBIZ' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.2  Med: 15.00 Max: 263000
Current: 19.41
4.2
263000
Forward Rate of Return (Yacktman) (%) 33.63
FBIZ's Forward Rate of Return (Yacktman) (%) is ranked higher than
78% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. FBIZ: 33.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBIZ' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.8  Med: 39.40 Max: 80.4
Current: 33.63
-3.8
80.4

More Statistics

Revenue(Mil) $76
EPS $ 1.90
Beta0.72
Short Percentage of Float3.45%
52-Week Range $18.32 - 27.35
Shares Outstanding(Mil)8.70

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.05 2.25
EPS without NRI($) 2.05 2.25

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Business Financial Services Inc was incorporated in 1986 under the laws of the State of Wisconsin. The Company is engaged in the commercial banking business through its two wholly-owned bank subsidiaries, First Business Bank "FBB", headquartered in Madison, Wisconsin, and First Business Bank-Milwaukee "FBB-Milwaukee". Its operations are conducted through the banks and certain subsidiaries of First Business Bank. It operates as business banks focusing on delivering a full line of commercial banking products, including commercial loans and commercial real estate loans, and services tailored to meet the specific needs of small- and medium-sized businesses, business owners, executives, professionals and high net worth individuals. The Company offers businesses such as; commercial lending, asset-based financing, equipment financing, treasury management services, and trust and investment services. FBBs product lines include commercial loans, commercial real estate loans, equipment loans and leases and treasury management services. It offers a variety of deposit accounts and personal loans to business owners, executives, professionals and net worth individuals. It also offers trust and investment services through First Business Trust & Investments, a division of FBB. The Company competes with banks, savings institutions, mortgage banking companies, credit unions, finance companies, equipment finance companies, mutual funds, insurance companies, brokerage firms and investment banking firms.
» More Articles for NAS:FBIZ

Headlines

Articles On GuruFocus.com
First Business Financial Services Inc. (FBIZ) CEO David J Vetta buys 1,000 Shares Mar 18 2011 
First Business Financial Services Inc. Reports Operating Results (10-Q) Nov 02 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) Jul 30 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) May 01 2009 

More From Other Websites
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